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What about those of us coming straight from undergrad?I got this magical thing that pays any bill you want it to, any time you need. It's called a job.
What about those of us coming straight from undergrad?
You get the illusive "summer job". Or pick up something part time ASAP in case you're worried about not finding a summer job immediately after graduation.What about those of us coming straight from undergrad?
This is your other option. A lot of credit cards will let you do a cash advance at crazy high rates.You could always use a credit card and then pay it off as soon as you receive your loan refund money.
Oh I forget there's more than one ignorant people on this forum.
Encouraging people to take responsibility for themselves and earn the money they need to secure a place to live is ignorance- wow, I never knew. Look everyone, I've found what's wrong with America, and it resides somewhere inside this man's statement.Oh I forget there's more than one ignorant people on this forum.
My cash advance on my CC is a 25% interest rateThis is your other option. A lot of credit cards will let you do a cash advance at crazy high rates.
Depending on where you are trying to find an apt, paying for first, last, security and possibly realtor's fee can cost several thousand dollars.How is it ignorant to be confident that you can get $800 in 3 months?
You can earn just over $3,000 working minimum wage in 12 weeks. Plus the guy said he has a job now. Put away some cash now, then work your ass off over the summer to save for your place.Depending on where you are trying to find an apt, paying for first, last, security and possibly realtor's fee can cost several thousand dollars.
Yeah, I'm so privileged with my "working 12 and 16 hour shifts for a living for the last 10 years of my life, and going to school full tine on top of it for 5 of those years." It was a legit suggestion, made with my usual snark and sarcasm. The other option, which I also agreed with, was a cash advance on a credit card. Or someone you know that trusts you can loan you some money. Or, if you have excellent credit you could take out a personal loan at the bank. We're offering up the legit options that exist.@Mad Jack
Can't get a legitimate answer to a serious question because of people like you who can't possibly think outside of your arrogant little minds. I asked for loan options and you tell me to get a job? You can't possibly think of a reason for why one won't be able to support himself through a minimum wage job because of your privileged situation and narrow-mindedness. I normally don't get into **** like this because it's not worth my time. But dude, this is the second time you have written something so dumb and immature man. I guess I should get used to this. Ought to be a lot of folks like this in medicine, I suppose.
@LizzyM It is extremely difficult to save money tutoring few hours here a few hours there.
The whole problem with all these people giving useless advice is they automatically assume they know what's best without even considering other aspects. This is the reason why so many people here ask questions and get crap answers from dickheads. This is why I asked about any loan options, not what kind of job I should get. If you want to help, read the damn question. If you're just being a giant ass, well F you.
What makes you think that I have time to even build a new clientele and start tutoring? What makes you think I should work a two minimum wage jobs? What makes you think I can afford to save money working those jobs? Do you automatically assume I have no other responsibilities? Family to take care of? Debts I need to pay?
I've gotten a lot of help from these forums, but F, a lot of arrogant dicks here who think they know ****. If this is any representation of what future docs are. Damn.
Nevermind. My bad asking a question.
Here's the deal. You never said you had other circumstances. You just said you wanted to know if there was a loan or something. We suggested the most efficient manner in which you could help yourself, which was work. If there is a reason you cannot work, or if you have bills that require all of your working funds, you should state a bit clearer exactly what your situation is so that we might help you further. If some guy jumps out and says, "I want to take out a high interest loan to pay for my bills until I get my financial aid package!" then we are going to do our best to talk him out of it by getting a job because it's a bad idea- we're not going to tell him how to do it right away unless it's a last resort.@LizzyM It is extremely difficult to save money tutoring few hours here a few hours there.
The whole problem with all these people giving useless advice is they automatically assume they know what's best without even considering other aspects. This is the reason why so many people here ask questions and get crap answers from dickheads. This is why I asked about any loan options, not what kind of job I should get. If you want to help, read the damn question. If you're just being a giant ass, well F you.
What makes you think that I have time to even build a new clientele and start tutoring? What makes you think I should work a two minimum wage jobs? What makes you think I can afford to save money working those jobs? Do you automatically assume I have no other responsibilities? Family to take care of? Debts I need to pay?
I've gotten a lot of help from these forums, but F, a lot of arrogant dicks here who think they know ****. If this is any representation of what future docs are. Damn.
Nevermind. My bad asking a question.
Only my first comment was snarky. The rest of my posts were legitimately trying to help, aside from my rebuffing you calling me an idiot. Good luck getting an advance.Thanks for the answers.
As for @Mad Jack, dude I don't need advice from immature dicks. Man I'm laughing at myself for getting into an online comment argument with someone like you.
Admin - Please close this thread. Thank you.
What could be so hard? You get paid, you put it in a savings account. My kid, a college sophomore, saved $3K that way in 8 mos.@LizzyM It is extremely difficult to save money tutoring few hours here a few hours there.
The whole problem with all these people giving useless advice is they automatically assume they know what's best without even considering other aspects. This is the reason why so many people here ask questions and get crap answers from dickheads. This is why I asked about any loan options, not what kind of job I should get. If you want to help, read the damn question. If you're just being a giant ass, well F you.
What makes you think that I have time to even build a new clientele and start tutoring? What makes you think I should work a two minimum wage jobs? What makes you think I can afford to save money working those jobs? Do you automatically assume I have no other responsibilities? Family to take care of? Debts I need to pay?
I've gotten a lot of help from these forums, but F, a lot of arrogant dicks here who think they know ****. If this is any representation of what future docs are. Damn.
Nevermind. My bad asking a question.
What could be so hard? You get paid, you put it in a savings account. My kid, a college sophomore, saved $3K that way in 8 mos.
I know that I've had a job and paid my way from college onward. I have two kids in college and they have had full-time summer jobs and picked up odd jobs so that they could do things that were outside the family budget. I'm sorry that you believe me to be a giant ass for making this suggestion
If you are any representation of what future docs are like Lord help us!
My cash advance on my CC is a 25% interest rate
I was initially going to do that since I got my CC to pay my car payment (for the points... yeah!), but I don't like giving PayPal almost 3% of the total.If there is a large difference in APR between cash advances and normal rates on your card, there is an easy fix. Create two separate PayPal accounts, and PayPal yourself the funds. You can mark it as a service, and your credit card company will treat it as a purchase rather than a cash advance. The only caveat is that PayPal gets its 2.9% flat fee.
The OP could also try for a personal (i.e. installment loan) if he has collateral (e.g. equity in a car). Interest rates can usually be found in the single digits.
Edit: I see Mad Jack beat me to the installment loan idea.
The best course of action is to ask your school for an advance of your loan. Ask the medical school financial aid office directly because they will be used to this kind of request. At my school you could actually ask every semester and there's no additional interest above and beyond what you were already going to pay. However, in some rental markets you need to put down a deposit and get a place several months ahead of when you move in, which could be much earlier than the earliest your school is able offer you an advance. In that case if you have no other free money (i.e. parents) or earned money (i.e. job/scholarship) options, a personal loan from the bank would be the next best option I can think.So I hear schools may not give you loan money until well into the semester depending on their processing speed. First, what the hell. And second, how do people go about paying for first month+last month+security deposit for their apartments if they don't have enough savings? It's not like I can pay this with a credit card. Is there a summer loan I can apply for? Geez.
So I hear schools may not give you loan money until well into the semester depending on their processing speed. First, what the hell. And second, how do people go about paying for first month+last month+security deposit for their apartments if they don't have enough savings? It's not like I can pay this with a credit card. Is there a summer loan I can apply for? Geez.
Some people want to travel and have a good time rather than working and putting money aside. The opportunity cost of traveling the last summer before med school is high.
You know what? People in their 40s, 50s, 60s, 70s, 80s still travel. And with more dough, they do it in style.
You can think we are thickheads for saying it but work now, play later.
Some people want to travel and have a good time rather than working and putting money aside. The opportunity cost of traveling the last summer before med school is high.
(If the shoe fits, OP...)
You know what? People in their 40s, 50s, 60s, 70s, 80s still travel. And with more dough, they do it in style.
You can think we are thickheads for saying it but work now, play later.
Not everyone has their summers free. I will be in school up until the start of medical school finishing my graduate degree. Others perhaps will need to attend summer school to meet final requirements to graduate/matriculate. It's not unreasonable for the OP to ask for advice that doesn't involve simply getting a job. A few users have offered guidance on what to do in that circumstance, so there's not really a need for all the antagonism.
Sorry for changing the topic but I did not want to start another thread....so how does the school/government disburse the loan? I know the tuition will probably be sent to the school directly but the remaining COA that I will need (such as rent, food, etc). Let's say I applied for $20,000 extra on top of the tuition for my living expenses...do they give you the full amount or do they give it you monthly?
Sorry for changing the topic but I did not want to start another thread....so how does the school/government disburse the loan? I know the tuition will probably be sent to the school directly but the remaining COA that I will need (such as rent, food, etc). Let's say I applied for $20,000 extra on top of the tuition for my living expenses...do they give you the full amount or do they give it you monthly?